Common use of Aggregate Net Assets Clause in Contracts

Aggregate Net Assets. For each Lifecycle Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifecycle Portfolios and the net assets of all the JHT Lifecycle Trusts. The JHT Lifecycle Trusts are: the Lifecycle 2010 Trust, Lifecycle 2015 Trust, Lifecycle 2020 Trust, Lifecycle 2025 Trust, Lifecycle 2030 Trust, Lifecycle 2035 Trust, Lifecycle 2040 Trust, Lifecycle 2045 Trust and Lifecycle 2050 Trust. Lifestyle Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Lifestyle Portfolio 0.050% 0.040% 0.500% 0.490%

Aggregate Net Assets. For each Lifecycle Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifecycle Portfolios and the net assets of all the JHT Lifecycle Trusts. The JHT Lifecycle Trusts are: the Lifecycle 2010 Trust, Lifecycle 2015 Trust, Lifecycle 2020 Trust, Lifecycle 2025 Trust, Lifecycle 2030 Trust, Lifecycle 2035 Trust, Lifecycle 2040 Trust, Lifecycle 2045 Trust and Lifecycle 2050 Trust. Lifestyle Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First Excess Over First Excess Over Fund of Funds $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Lifestyle Portfolio 0.0500.050 % 0.0400.040 % 0.5000.500 % 0.4900.490 %

Aggregate Net Assets. For each Lifecycle Retirement Living Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifecycle Retirement Living Portfolios and the net assets of all the JHT JHVIT Lifecycle Trusts. The JHT JHVIT Lifecycle Trusts are: the Lifecycle 2010 Trust, Lifecycle 2015 Trust, Lifecycle 2020 Trust, Lifecycle 2025 Trust, Lifecycle 2030 Trust, Lifecycle 2035 Trust, Lifecycle 2040 Trust, Lifecycle 2045 Trust and Lifecycle 2050 Trust. Lifestyle Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Lifestyle Portfolio 0.050% 0.040% 0.500% 0.490%

Aggregate Net Assets. For each Lifecycle Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifecycle Portfolios and the net assets of all the JHT JHVIT Lifecycle Trusts. The JHT JHVIT Lifecycle Trusts are: the Lifecycle 2010 Trust, Lifecycle 2015 Trust, Lifecycle 2020 Trust, Lifecycle 2025 Trust, Lifecycle 2030 Trust, Lifecycle 2035 Trust, Lifecycle 2040 Trust, Lifecycle 2045 Trust and Lifecycle 2050 Trust. Lifestyle Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Lifestyle Portfolio 0.050% 0.040% 0.500% 0.490%

Aggregate Net Assets. For each Lifecycle Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifecycle Portfolios and the net assets of all the JHT JHVIT Lifecycle Trusts. The JHT JHVIT Lifecycle Trusts are: the Lifecycle 2010 Trust, Lifecycle 2015 Trust, Lifecycle 2020 Trust, Lifecycle 2025 Trust, Lifecycle 2030 Trust, Lifecycle 2035 Trust, Lifecycle 2040 Trust, Lifecycle 2045 Trust and Lifecycle 2050 Trust. Lifestyle Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First Excess Over First Excess Over Fund of Funds $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Lifestyle Portfolio 0.0500.050 % 0.0400.040 % 0.5000.500 % 0.4900.490 %

Aggregate Net Assets. For each Lifecycle Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifecycle Portfolios and the net assets of all the JHT Lifecycle Trusts. The JHT Lifecycle Trusts are: the Lifecycle 2010 Trust, Lifecycle 2015 Trust, Lifecycle 2020 Trust, Lifecycle 2025 Trust, Lifecycle 2030 Trust, Lifecycle 2035 Trust, Lifecycle 2040 Trust, Lifecycle 2045 Trust and Lifecycle 2050 Trust. Lifestyle Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over First Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion $7.5 billion Each Lifestyle Portfolio 0.0500.050 % 0.0400.040 % 0.5000.500 % 0.4900.490 %

Aggregate Net Assets. For each Lifecycle PortfolioTrust, Aggregate Net Assets include the net assets of all the JHF II JHT Lifecycle Portfolios Trusts and the net assets of all the JHT JHF II Lifecycle TrustsPortfolios. The JHT JHF II Lifecycle Trusts Portfolios are: the Lifecycle 2010 TrustPortfolio, Lifecycle 2015 TrustPortfolio, Lifecycle 2020 TrustPortfolio, Lifecycle 2025 TrustPortfolio, Lifecycle 2030 TrustPortfolio, Lifecycle 2035 TrustPortfolio, Lifecycle 2040 TrustPortfolio, Lifecycle 2045 Trust Portfolio and Lifecycle 2050 TrustPortfolio. Lifestyle Portfolios Trusts Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First Excess Over First Excess Over Fund of Funds $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Lifestyle Portfolio 0.050Trust 0.050 % 0.0400.040 % 0.5000.500 % 0.4900.490 %

Aggregate Net Assets. For each Lifecycle PortfolioTrust, Aggregate Net Assets include the net assets of all the JHF II JHT Lifecycle Portfolios Trusts and the net assets of all the JHT JHF II Lifecycle TrustsPortfolios. The JHT JHF II Lifecycle Trusts Portfolios are: the Lifecycle 2010 TrustPortfolio, Lifecycle 2015 TrustPortfolio, Lifecycle 2020 TrustPortfolio, Lifecycle 2025 TrustPortfolio, Lifecycle 2030 TrustPortfolio, Lifecycle 2035 TrustPortfolio, Lifecycle 2040 TrustPortfolio, Lifecycle 2045 Trust Portfolio and Lifecycle 2050 TrustPortfolio. Lifestyle Portfolios Trusts Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Lifestyle Portfolio 0.050Trust 0.050 % 0.0400.040 % 0.5000.500 % 0.4900.490 %

Aggregate Net Assets. For each Lifecycle Retirement Living Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifecycle Retirement Living Portfolios and the net assets of all the JHT JHVIT Lifecycle Trusts. The JHT JHVIT Lifecycle Trusts are: the Lifecycle 2010 Trust, Lifecycle 2015 Trust, Lifecycle 2020 Trust, Lifecycle 2025 Trust, Lifecycle 2030 Trust, Lifecycle 2035 Trust, Lifecycle 2040 Trust, Lifecycle 2045 Trust and Lifecycle 2050 Trust. Lifestyle Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First Excess Over $7.5 billion First Excess Over $7.5 billion First billion $7.5 billion Excess Over $7.5 billion Each Lifestyle Portfolio 0.0500.050 % 0.0400.040 % 0.5000.500 % 0.4900.490 %

Aggregate Net Assets. For each Lifecycle Retirement Living Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifecycle Retirement Living Portfolios and the net assets of all the JHT JHVIT Lifecycle Trusts. The JHT JHVIT Lifecycle Trusts are: the Lifecycle 2010 Trust, Lifecycle 2015 Trust, Lifecycle 2020 Trust, Lifecycle 2025 Trust, Lifecycle 2030 Trust, Lifecycle 2035 Trust, Lifecycle 2040 Trust, Lifecycle 2045 Trust and Lifecycle 2050 Trust. Lifestyle Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First Excess Over First Excess Over Fund of Funds $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Lifestyle Portfolio 0.050% 0.040% 0.500% 0.490%

Aggregate Net Assets. For each Lifecycle PortfolioTrust, Aggregate Net Assets include the net assets of all the JHF II JHVIT Lifecycle Portfolios Trusts and the net assets of all the JHT JHF II Lifecycle TrustsPortfolios. The JHT JHF II Lifecycle Trusts Portfolios are: the Lifecycle 2010 TrustPortfolio, Lifecycle 2015 TrustPortfolio, Lifecycle 2020 TrustPortfolio, Lifecycle 2025 TrustPortfolio, Lifecycle 2030 TrustPortfolio, Lifecycle 2035 TrustPortfolio, Lifecycle 2040 TrustPortfolio, Lifecycle 2045 Trust Portfolio and Lifecycle 2050 TrustPortfolio. Lifestyle Portfolios Trusts Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over $7.5 billion First Excess Over Fund of Funds $7.5 billion Excess Over billion $7.5 billion $7.5 billion Each Lifestyle Portfolio 0.050Trust 0.050 % 0.0400.040 % 0.5000.500 % 0.4900.490 %

Aggregate Net Assets. For each Lifecycle Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifecycle Portfolios and the net assets of all the JHT JHVIT Lifecycle Trusts. The JHT JHVIT Lifecycle Trusts are: the Lifecycle 2010 Trust, Lifecycle 2015 Trust, Lifecycle 2020 Trust, Lifecycle 2025 Trust, Lifecycle 2030 Trust, Lifecycle 2035 Trust, Lifecycle 2040 Trust, Lifecycle 2045 Trust and Lifecycle 2050 Trust. Lifestyle Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over First Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion $7.5 billion Each Lifestyle Portfolio 0.050% 0.040% 0.500% 0.490%% _________________________

Aggregate Net Assets. For each Lifecycle PortfolioTrust, Aggregate Net Assets include the net assets of all the JHF II JHVIT Lifecycle Portfolios Trusts and the net assets of all the JHT JHF II Lifecycle TrustsPortfolios. The JHT JHF II Lifecycle Trusts Portfolios are: the Lifecycle 2010 TrustPortfolio, Lifecycle 2015 TrustPortfolio, Lifecycle 2020 TrustPortfolio, Lifecycle 2025 TrustPortfolio, Lifecycle 2030 TrustPortfolio, Lifecycle 2035 TrustPortfolio, Lifecycle 2040 TrustPortfolio, Lifecycle 2045 Trust Portfolio and Lifecycle 2050 TrustPortfolio. Lifestyle Portfolios Trusts Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Lifestyle Portfolio Trust 0.050% 0.040% 0.500% 0.490%

Aggregate Net Assets. For each Lifecycle PortfolioTrust, Aggregate Net Assets include the net assets of all the JHF II JHT Lifecycle Portfolios Trusts and the net assets of all the JHT JHF II Lifecycle TrustsPortfolios. The JHT JHF II Lifecycle Trusts Portfolios are: the Lifecycle 2010 TrustPortfolio, Lifecycle 2015 TrustPortfolio, Lifecycle 2020 TrustPortfolio, Lifecycle 2025 TrustPortfolio, Lifecycle 2030 TrustPortfolio, Lifecycle 2035 TrustPortfolio, Lifecycle 2040 TrustPortfolio, Lifecycle 2045 Trust Portfolio and Lifecycle 2050 TrustPortfolio. Lifestyle Portfolios Trusts Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First Excess Over First Excess Over Fund of Funds $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Lifestyle Portfolio Trust 0.050% 0.040% 0.500% 0.490%

Aggregate Net Assets. For each Lifecycle PortfolioTrust, Aggregate Net Assets include the net assets of all the JHF II JHT Lifecycle Portfolios Trusts and the net assets of all the JHT JHF II Lifecycle TrustsPortfolios. The JHT JHF II Lifecycle Trusts Portfolios are: the Lifecycle 2010 TrustPortfolio, Lifecycle 2015 TrustPortfolio, Lifecycle 2020 TrustPortfolio, Lifecycle 2025 TrustPortfolio, Lifecycle 2030 TrustPortfolio, Lifecycle 2035 TrustPortfolio, Lifecycle 2040 TrustPortfolio, Lifecycle 2045 Trust Portfolio and Lifecycle 2050 TrustPortfolio. Lifestyle Portfolios Trusts Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over First Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion $7.5 billion Each Lifestyle Portfolio 0.050Trust 0.050 % 0.0400.040 % 0.5000.500 % 0.4900.490 %

Aggregate Net Assets. For each Lifecycle PortfolioTrust, Aggregate Net Assets include the net assets of all the JHF II JHT Lifecycle Portfolios Trusts and the net assets of all the JHT JHF II Lifecycle TrustsPortfolios. The JHT JHF II Lifecycle Trusts Portfolios are: the Lifecycle 2010 TrustPortfolio, Lifecycle 2015 TrustPortfolio, Lifecycle 2020 TrustPortfolio, Lifecycle 2025 TrustPortfolio, Lifecycle 2030 TrustPortfolio, Lifecycle 2035 TrustPortfolio, Lifecycle 2040 TrustPortfolio, Lifecycle 2045 Trust Portfolio and Lifecycle 2050 TrustPortfolio. Lifestyle Portfolios Trusts Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over $7.5 billion First Excess Over Fund of Funds $7.5 billion Excess Over billion $7.5 billion $7.5 billion Each Lifestyle Portfolio 0.050Trust 0.050 % 0.0400.040 % 0.5000.500 % 0.4900.490 %

Aggregate Net Assets. For each Lifecycle Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifecycle Portfolios and the net assets of all the JHT Lifecycle Trusts. The JHT Lifecycle Trusts are: the Lifecycle 2010 Trust, Lifecycle 2015 Trust, Lifecycle 2020 Trust, Lifecycle 2025 Trust, Lifecycle 2030 Trust, Lifecycle 2035 Trust, Lifecycle 2040 Trust, Lifecycle 2045 Trust and Lifecycle 2050 Trust. 42 Lifestyle Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Lifestyle Portfolio 0.050% 0.040% 0.500% 0.490%

Aggregate Net Assets. For each Lifecycle Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifecycle Portfolios and the net assets of all the JHT Lifecycle Trusts. The JHT Lifecycle Trusts are: the Lifecycle 2010 Trust, Lifecycle 2015 Trust, Lifecycle 2020 Trust, Lifecycle 2025 Trust, Lifecycle 2030 Trust, Lifecycle 2035 Trust, Lifecycle 2040 Trust, Lifecycle 2045 Trust and Lifecycle 2050 Trust. Lifestyle Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First Excess Over First Excess Over Fund of Funds $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Lifestyle Portfolio 0.050% 0.040% 0.500% 0.490%

Aggregate Net Assets. For each Lifecycle Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifecycle Portfolios and the net assets of all the JHT JHVIT Lifecycle Trusts. The JHT JHVIT Lifecycle Trusts are: the Lifecycle 2010 Trust, Lifecycle 2015 Trust, Lifecycle 2020 Trust, Lifecycle 2025 Trust, Lifecycle 2030 Trust, Lifecycle 2035 Trust, Lifecycle 2040 Trust, Lifecycle 2045 Trust and Lifecycle 2050 Trust. Lifestyle Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over First Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion $7.5 billion Each Lifestyle Portfolio 0.0500.050 % 0.0400.040 % 0.5000.500 % 0.4900.490 %